Mazda 3 Auto Insurance (2024)
Mazda 3 insurance rates cost $1,400 a year, or around $117 a month. Finding Mazda 3 teenager insurance rates can cost on average $5,117 a year, so shop around to find cheap coverage.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Key takeaways:
- Full coverage costs around $1,400 a year or $117 each month
- A liability-only policy costs around $561 a year or $47 each month
- Highest rates are for teenage drivers at around $5,117 a year or $426 each month
- Good drivers can save as much as $577 a year by earning policy discounts
- Mazda 3 insurance costs around $119 less per year than the average vehicle
Mazda 3 insurance rates are $1,400 per year or $117 per month for full coverage and $47 per month for liability-only insurance. Good drivers can save up to $577 per year using policy discounts. Continue reading to learn how you save more money on Mazda 3 insurance rates.
You can start comparing quotes for Mazda 3 auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Mazda 3 Insurance Cost
The average Mazda 3 auto insurance rates are $1,400 a year or $117 a month.
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Are Mazda 3s Expensive to Insure?
The chart below details how Mazda 3 insurance rates compare to other sedans like the Audi A3, Chevrolet Malibu, and Chevrolet Impala.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Mazda 3 | $308 | $562 | $372 | $1,400 |
| Audi A3 | $282 | $566 | $398 | $1,404 |
| Chevrolet Malibu | $322 | $532 | $372 | $1,384 |
| Chevrolet Impala | $280 | $532 | $372 | $1,342 |
| Chevrolet Cruze | $308 | $594 | $372 | $1,432 |
| Audi S4 | $370 | $744 | $338 | $1,588 |
| Toyota Corolla | $294 | $542 | $390 | $1,384 |
However, there are a few things you can do to find the cheapest Mazda insurance rates online.
What Impacts the Cost of Mazda 3 Insurance?
The Mazda 3 trim and model you choose can impact the total price you will pay for Mazda 3 insurance coverage.
Age of the Vehicle
The average Mazda 3 auto insurance rates are higher for newer models. For example, auto insurance rates for a 2020 Mazda 3 are $1,400, while 2010 Mazda 3 rates are $1,148, a difference of $252.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Mazda 3 | $308 | $562 | $372 | $1,400 |
| 2019 Mazda 3 | $294 | $542 | $390 | $1,384 |
| 2018 Mazda 3 | $282 | $536 | $398 | $1,374 |
| 2017 Mazda 3 | $272 | $524 | $416 | $1,370 |
| 2016 Mazda 3 | $262 | $502 | $430 | $1,352 |
| 2015 Mazda 3 | $248 | $484 | $442 | $1,332 |
| 2014 Mazda 3 | $238 | $450 | $452 | $1,298 |
| 2013 Mazda 3 | $230 | $424 | $456 | $1,268 |
| 2012 Mazda 3 | $220 | $380 | $460 | $1,218 |
| 2011 Mazda 3 | $206 | $350 | $460 | $1,174 |
| 2010 Mazda 3 | $198 | $328 | $464 | $1,148 |
Driver Age
Driver age can have a significant impact on Mazda 3 auto insurance rates. As an example, a 40-year-old driver could pay $148 less each month for their Mazda 3 auto insurance compared to a 20-year-old driver.
Driver Location
Where you live can have a large impact on Mazda 3 insurance rates. For example, drivers in Los Angeles may pay $518 a year more than drivers in Philadelphia.
Your Driving Record
Your driving record can have an impact on the cost of Mazda 3 auto insurance. Teens and drivers in their 20’s see the highest jump in their Mazda 3 auto insurance rates with violations on their driving record.
Mazda 3 Safety Ratings
Your Mazda 3 auto insurance rates are tied to the safety ratings of the Mazda 3. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Good |
|---|---|
| Small overlap front: passenger-side | Good |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
Mazda 3 Crash Test Ratings
If the Mazda 3 crash test ratings are good, you could have lower Mazda 3 auto insurance rates. See Mazda 3 crash test results below:
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| Mazda 3 | 5 stars | 5 stars | 5 stars | 5 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Mazda 3 Safety Features
The safety features of the Mazda 3 can impact your Mazda 3 auto insurance rates. The Mazda 3 has the following safety features:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Traction Control
- Lane Departure Warning
- Lane Keeping Assist
Mazda 3 Insurance Loss Probability
The lower percentage means lower Mazda 3 auto insurance rates; higher percentages mean higher Mazda 3 auto insurance rates. The Mazda 3’s insurance loss probability varies for each form of coverage.
| Insurance Coverage Category | Loss Rate |
| Collision | -1% |
|---|---|
| Property Damage | 4% |
| Comprehensive | -4% |
| Personal Injury | 6% |
| Medical Payment | 10% |
| Bodily Injury | 3% |
| Source: Insurance Institute for Highway Safety | |
Mazda 3 Finance and Insurance Cost
If you are financing a Mazda 3, you will pay more if you purchase Mazda 3 auto insurance at the dealership, so be sure to shop around and compare Mazda 3 auto insurance quotes from the best companies using our FREE tool below.
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Ways to Save on Mazda 3 Insurance
You have more options at your disposal to save money on your Mazda 3 auto insurance costs. For example, try these five tips:
- Be Picky About Who Drives Your Mazda 3
- Reduce Your Coverage on an Older Mazda 3
- Start Searching for New Mazda 3 Insurance Rates a Month Before Your Renewal
- Add a More Experienced Driver to Your Mazda 3 Policy
- Consider Mazda 3 Insurance Rates Before Buying a Mazda 3
Top Mazda 3 Insurance Companies
Who is the best company for Mazda 3 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Mazda 3 insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Mazda 3 offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
Compare Free Mazda 3 Insurance Quotes Online
You can start comparing quotes for Mazda 3 auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
Where can I compare Mazda 3 insurance quotes online?
Use free online tools to compare Mazda 3 insurance quotes from multiple companies and make an informed decision.
How can I find the best insurance company for Mazda 3 coverage?
Top insurance companies for Mazda 3 coverage based on market share include State Farm, GEICO, Progressive, Liberty Mutual, Allstate, Travelers, USAA, Chubb, Farmers, and Nationwide.
Can adding a more experienced driver to my Mazda 3 policy help save money?
Yes, adding an experienced driver to your Mazda 3 insurance policy can potentially lower rates due to their favorable driving history.
Should I consider insurance rates before financing a Mazda 3?
Yes, consider insurance costs before financing a Mazda 3, as purchasing insurance at the dealership may result in higher rates.
How does the insurance loss probability of the Mazda 3 impact rates?
The Mazda 3 has favorable insurance loss probabilities for comprehensive and collision coverage, which can potentially lead to lower rates.
Are there any specific safety features in the Mazda 3 that can lower insurance rates?
The Mazda 3 has safety features like airbags, ABS, and stability control that may help lower insurance rates.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.